VisaTut: Virtual Visa and Mastercard Cards—Terms and Fees
Type
Payment system
Visatut.one
VisaTut is a service offering international virtual cards for online payments and subscriptions. Pricing for Visa and Mastercard is available on the current domain, visatut.pro. Previously, the brand was located at visatut.one, but to check pricing and sign up, you should use the service’s current website.
The VisaTut lineup features two main virtual cards: Mastercard and Visa. Both are issued in U.S. dollars and are intended for paying for international online services, digital products, and purchases from foreign stores.
Basic terms as of November 2026:
- Mastercard issuance fee: 25 USD;
- Visa issuance fee: 25 USD;
- Initial deposit: 25 USD;
- monthly service fee: 7 USD;
- Mastercard transaction fee: 0.4 USD;
- Visa transaction fee: 1 USD;
- Deposits via USDT and SBP;
- The top-up fee depends on the payment method: for USDT and SBP, there is either a fixed fee of 3/5 USD or a percentage-based fee of 3/5%; the final amount is determined before payment;
- Card currency: USD;
- Issuance is instant.
The initial payment actually consists of two parts: 25 USD is paid for issuance, and another 25 USD remains on the card as the initial balance. Therefore, the first activation will require an amount greater than the face value of the card itself.
Mastercard is more cost-effective for a large number of small transactions, as the fixed transaction fee is lower. Visa can be used as an alternative card program if a specific foreign service does not accept Mastercard or uses a different BIN.
Top-ups are available via USDT and SBP. The total cost must be calculated before the transaction is confirmed, since in addition to the direct fee, the exchange rate for converting rubles or cryptocurrency into the card’s dollar balance is also a factor.
The top-up terms include two different fee options: fixed fees of 3 and 5 USD, or percentage-based fees of 3% and 5%. The applicable option depends on the selected method and the final calculation. Since the result varies depending on the transfer amount, you must request an exact calculation before making a payment. There is no single top-up fee for all methods.
The card is designed for payments using card details. The user receives a card number, expiration date, and CVV. Recurring payments are important for subscriptions: if a service regularly debits funds once a month, the balance must have a sufficient reserve to cover the transaction fee.
VisaTut cards are suitable for international online purchases, but the success of the transaction depends on the BIN, the account region, and the merchant’s policies. The payment is affected by the card’s BIN, the account’s country, the app store’s region, 3D Secure, the merchant’s anti-fraud measures, and whether the cardholder’s information meets the platform’s requirements.
For small subscriptions, the $7 monthly fee has a noticeable impact on the total cost. If the card is used solely for a single service costing $10–20 per month, the service fee becomes a significant portion of the expenses. With multiple regular payments, the relative burden decreases.
If you make a large number of transactions, you should factor in the fixed transaction fee. Mastercard’s transaction fee is lower than Visa’s, making it more cost-effective for frequent small purchases. For a single large transaction, the difference is less significant.
A virtual card is not a substitute for a full-fledged bank account. It is not intended for holding large sums of money, receiving a paycheck, withdrawing cash, or making complex bank transfers. Its primary purpose is online payments.
Before applying, check:
- which of the two cards is available at the time of application;
- the current BIN and country of issuance;
- the total cost of the first top-up;
- the fee for each transaction;
- the card’s expiration date;
- the option to refund the remaining balance;
- support for the desired international service.
Questions and Answers
How much does a VisaTut virtual card cost?
A Visa or Mastercard costs 25 USD. An additional 25 USD initial deposit is required, which remains on your balance.
Which card is cheaper for frequent payments?
Under current terms, Mastercard has a lower fixed transaction fee—0.4 USD compared to 1 USD for Visa.
Can I top up my VisaTut card via SBP?
Yes. Top-ups are available via SBP and USDT. The fee schedule and explanation list different fixed and percentage-based fees, so be sure to check the calculation before making a transfer.
Is there a monthly fee?
Yes. The monthly service fee for virtual cards is 7 USD.
Editor’s Opinion
VisaTut is a good fit for those who specifically need a dollar-denominated virtual card without having to open a full-fledged foreign bank account. The fees are fairly straightforward: a fixed issuance fee, a separate initial deposit, a monthly fee, and a transaction fee for each transaction. The most notable drawback is the $7 monthly fee, which makes the card a poor choice for a single, inexpensive subscription. With multiple recurring payments, the costs are spread out more favorably—especially with Mastercard, which has a lower transaction fee. Before issuing the card, it’s important to check the current BIN and the final credit amount when funding via the Secure Payment System (SPS). It’s also important to use the active domain visatut.pro, rather than relying on old references to visatut.one.
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